Donna Burns- these instructions apply to all photoshop programs.Donna Penn- we are told that the CM software allows you to "clip" photo's to shapes and not .png files? With a shape, you would lose the grunge/overlay look. Still working on a confirmation.

Sharon, you would create a new layer above the mask, and with the top layer highlighted, clip it. You can clip by the keyboard shortcuts in the image- or you can also go to the top bar of photoshop where it says "Layers" - drop down- choose "create clipping mask".